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How Small Businesses Can Help Employees Prepare for Retirement

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Last Updated on September 1, 2025 by Daily News Staff

Retirement, Small Business (Family Features) A comfortable retirement is something most people aspire to, and there are many paths to plan for that phase of life. While many employers offer retirement savings plans as a workplace benefit, small business owners, whose time and resources are already at a premium, often face barriers – including hours of administrative work, additional costs and compliance liabilities – when setting up these plans for their employees. 17563 detail image embed1Today, many small business owners understand the power of offering a retirement plan, such as a 401(k), to attract and retain top talent and provide additional financial security for their employees. In fact, a retirement plan is the benefit most wanted by workers after health insurance, according to a survey commissioned by 401(k) provider Human Interest. Many states have passed or enacted laws requiring most employers to offer retirement plans for employees. Currently, 20 states have passed legislation for state-mandated retirement programs and 13 states have active programs. Legislation is currently being considered in an additional 28 states. Employers can opt out of state-mandated retirement programs by offering a 401(k) plan, simplifying compliance for business owners. Federal regulations, such as SECURE 2.0, introduced incentives and requirements for business owners who offer 401(k)s, which make it easier for employees to save and access their funds. If you’re a small business owner setting up a retirement plan, these considerations can simplify the process while helping employees save for retirement. Add Auto-Enroll to Your 401(k) Plan Many people intend to save for retirement, but don’t take the necessary steps to enroll in a plan. Plans that include an automatic enrollment feature help overcome this inertia by automatically collecting deferrals from employees’ compensation each pay period unless they opt out of participation. SECURE 2.0 mandates auto-enroll for most 401(k) plans established after Dec. 29, 2022. If your plan is not subject to the requirement, consider adding it voluntarily. Ultimately, auto-enroll can help contribute to a more financially secure workforce by encouraging consistent savings habits. Take Advantage of Match Contributions Programs While the primary benefit of a 401(k) plan is to help employees save for retirement, offering an employer match encourages employees to participate, as employees may consider the match “free” money. In addition, employers can take a tax deduction for their matching contributions, up to 25% of the total compensation paid to eligible employees for the year. SECURE 2.0 also introduced a tax credit for matching contributions for small employers with new plans. Employers should be aware the tax credit is an alternative to the deduction; the employer can’t claim both in the same year. Pick a Platform Designed for Small Businesses The administrative burden of setting up retirement plans can be overwhelming for some business owners. Choosing a tech-enabled 401(k) platform like Human Interest – which offers a fast online setup in a few clicks; transparent pricing; and attentive, human support – can help employers navigate the shifting landscape of state-specific regulations and mandates. When choosing a provider, also consider the upfront fees you’ll pay (both as an employer and for the employees participating in the plan), if the platform integrates with your payroll provider, customer service response times and how the 401(k) provider can help answer questions about compliance from regulatory bodies to set your employees up for long-term success. Find additional information to help provide a more secure financial future for your employees at humaninterest.com.   Photos courtesy of Shutterstock   collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: Human Interest

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Lifestyle

How to Practice Thoughtful Grief Etiquette Online

Grief experts advise caution in sharing condolences and loss-related information on social media, emphasizing the importance of prioritizing the grieving family’s needs. Thoughtful posting practices include waiting for family approval, reaching out privately first, and avoiding speculation about the cause of death. Compassionate communication is essential in these sensitive situations.

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Last Updated on March 31, 2026 by Daily News Staff

How to Practice Thoughtful Grief Etiquette Online

(Feature Impact) News of a death can spread online in seconds – often before families have notified close family members privately. That’s why grief experts urge people to rethink how they share condolences, tributes and loss-related information on social media, particularly during the winter months when grief can feel especially isolating.

“Grief etiquette is about putting the needs of the grieving family first, not our urge to say something publicly,” said Dr. Camelia L. Clarke, National Funeral Directors Association (NFDA) spokesperson, funeral director and grief educator with nearly 30 years of experience. “Just because information can be shared instantly doesn’t mean it should be.”

Social media has become a common place for sharing condolences, tributes and memories. However, grief experts caution that, without thoughtful consideration, online posts can unintentionally cause harm. Knowing when to post, what to say and when to remain silent can make a meaningful difference for families experiencing loss.

Consider this advice from the experts at the NFDA.

Grief Etiquette in the Digital Age

Grief etiquette refers to the unspoken guidelines for how individuals acknowledge death, loss and mourning, particularly online.

According to Clarke, one of the most important principles is restraint.

“When a death is shared online too quickly, families can feel exposed and overwhelmed at a moment when they’re still processing the loss themselves,” she said. “Waiting is an act of compassion.”

Best Practices for Posting About Loss Online

As social media continues to play a role in modern mourning, grief professionals encourage users to pause before posting and consider a few key guidelines:

  • Let the family lead. Don’t post about a death until the immediate family has made it public.
  • Ask permission. Obtain consent before sharing photos, stories or tributes.
  • Reach out privately first. A direct message, call or handwritten note can be more meaningful than a public comment.
  • Avoid speculation. Don’t ask about or share details regarding the cause of death.
  • Offer ongoing support. Grief extends far beyond the first days or weeks after a loss.

What to Say (and Avoid)

When expressing condolences online, experts recommend simplicity, sincerity and sensitivity. Messages that acknowledge loss without attempting to explain or minimize it are often the most supportive.

Helpful phrases include:

  • “I’m sorry for your loss.”
  • “Thinking of you and your family.”
  • “I’m here if you want to talk or need anything.”

By contrast, well-meaning cliches can unintentionally cause harm. Phrases such as “They’re in a better place” or “Everything happens for a reason” may reflect the speaker’s beliefs, but they can feel dismissive to someone grieving.

“Grieving people don’t need answers – they need presence,” Clarke said. “Listening matters more than saying the perfect thing.”

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Resources for Families and Friends

As digital spaces continue to shape how people communicate during life’s most difficult moments, experts agree empathy, patience and respect remain timeless.

“Grief is deeply personal,” Clarke said. “When we slow down and lead with compassion, we honor both the person who has died and those who are left to grieve.”

To learn more about how to support a grieving person and access free, expert-reviewed resources for navigating grief, expressing condolences and supporting loved ones before, during and after a loss, visit RememberingALife.com, an initiative of the NFDA.

Photo courtesy of Shutterstock

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<img src="https://erp.featureimpact.com/api/v1/tracking/17832/10240/track.gif" />

SOURCE:

National Funeral Directors Association


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Travel Advisory

Traveling to Mexico this spring? Here’s what to know about current advisories

Traveling to Mexico this spring? Visitors should be aware of state-specific travel advisories, as safety concerns in one region do not affect major resort areas like Cancun and Los Cabos, currently rated Level 2, which encourages increased caution. Monitoring official updates is essential for informed travel decisions amidst evolving conditions.

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Last Updated on March 30, 2026 by Daily News Staff

Traveling to Mexico? For some travelers counting down to spring break, recent headlines about violence in parts of Mexico have sparked a new question: Should I cancel my trip?

Traveling to Mexico this spring? Here’s what to know about current advisories

(Tiffany Miller for ALG Vacations) For some travelers counting down to spring break, recent headlines about violence in parts of Mexico have sparked a new question: Should I cancel my trip? Travel advisors say they are seeing a surge in calls and emails from clients trying to determine whether developments in one region affect major resort areas elsewhere.

The questions follow several days of unrest in parts of Mexico after security operations targeting organized crime leaders prompted temporary flight disruptions and shelter-in-place guidance for U.S. government personnel in areas including Puerto Vallarta and Guadalajara. In this article, ALG Vacations explains what current travel advisories mean for spring break travelers heading to Mexico.

The U.S. State Department evaluates Mexico state by state, not as a single destination, and advisory levels vary by region. Many major beach destinations, including Cancun, Riviera Maya, Tulum and Los Cabos, are currently under a Level 2 advisory, which encourages travelers to exercise increased caution. It does not discourage travel.

Part of the confusion stems from geography. Puerto Vallarta, on the Pacific coast, is roughly 1,300 miles from Cancun and the Riviera Maya on the Caribbean side, about the distance between New York and Miami. Because advisories are assigned state by state, developments in one region do not automatically alter another.

In recent days, that uncertainty has translated into additional inquiries about whether specific resort areas are experiencing disruptions. U.S. Embassy security alerts issued this week indicate that temporary shelter-in-place guidance affecting Puerto Vallarta was lifted and that flight operations resumed. The advisory level for the Mexican state of Quintana Roo remains unchanged.

Some clients are asking about alternatives, advisors say, but many are continuing with their plans after reviewing official updates. Travel patterns often shift in response to breaking headlines, they add, before stabilizing as clearer information becomes available.

The State Department assigns travel advisories on a four-tier scale ranging from Level 1, exercise normal precautions, to Level 4, do not travel. While Level 2 encourages increased awareness, Level 3 and Level 4 carry stronger language discouraging or restricting travel.

Advisories are reviewed regularly and can be updated as conditions evolve. The State Department’s Mexico advisory page breaks down conditions by state, reflecting the country’s federal structure rather than issuing a single national designation. Travelers can also enroll in the State Department’s Smart Traveler Enrollment Program, which provides real-time security updates and allows U.S. officials to contact citizens in an emergency.

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Embassy notices state that airports, hotels and tourism services in Quintana Roo are operating normally. Security conditions across Mexico vary widely by state, with some regions carrying higher advisories and others designated Level 1. Most destinations popular with U.S. travelers are currently classified as Level 2.

As spring break approaches, advisors say informed decision-making depends on reviewing the advisories assigned to a specific destination and monitoring official updates, rather than reacting to national headlines alone. Travel decisions ultimately depend on individual comfort levels, they add, but advisory levels are assigned regionally and should be evaluated accordingly.

Photo courtesy of Shutterstock

   

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SOURCE:

ALG Vacations

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home gardening

Grow Healthier Plants (and Use Less Water) by Improving Your Soil

Biochar enhances soil health by improving water retention and nutrient availability, supporting stronger plant growth. It offers a sustainable solution by sequestering carbon and can also be used for composting and livestock bedding.

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Grow Healthier Plants (and Use Less Water) by Improving Your Soil

(Feature Impact) Almost every gardener knows the frustration: One corner of the garden bursts with life while another struggles to hang on. Flowers are slow to open, vegetables disappoint and the soil seems to drink up water and ask for more.

However, seasoned gardeners know the difference between a struggling garden and a thriving one almost always comes down to what’s beneath the surface.

Success Runs Soil Deep

The change in seasons can leave soil compacted and depleted, so spending some time giving it a boost can set the stage for strong, healthy plants. It may also be easier than many gardeners think to give soil the help it needs. Blending in amendments like biochar improves soil health, helps retain water and locks in nutrients.

An easy-to-use yet powerful conditioner that helps balance soil pH, Wakefield BioChar boosts soil fertility and supports stronger, healthier plant growth. Once it’s mixed into soil, biochar becomes a powerhouse worker. It holds onto water like a sponge, slowly releasing and making the water accessible, so plants continually receive moisture and gardeners need to water less. It also makes nutrients more available to plants, resulting in healthier gardens and greener lawns.

17851 B detail embed2An Easy-to-Use Boost

When planting in the garden or pots, biochar should make up approximately 10% of the soil mix. If you’re setting up a garden bed, mix it into the soil to a depth of 4-6 inches (1 cubic foot is plenty for a 4-by-8-foot garden bed). For trees and shrubs, adding biochar directly to the roots helps them get off to a strong start and supports healthy growth.

It’s also a natural way to improve a lawn’s look and performance. To add biochar to your lawn to prepare for warm weather, spread it evenly across the grass, either by hand or with a broadcast spreader for larger areas. Aim for a thin, even layer to ensure all parts of your lawn benefit from its properties, improving long-term soil health. For newly planted lawns, mix 1 cubic foot of biochar into every 100 square feet of soil, making sure it penetrates 2-4 inches deep.

No matter where you use biochar, water regularly for the first week to activate its benefits. Watering helps biochar settle into the soil and start working, as its porous structure holds moisture, helping keep gardens and lawns hydrated.

Sustainable from the Ground Up

Not only does biochar deeply nourish your garden or lawn, it also helps create a more sustainable environment for years to come. It’s made by heating natural materials, such as organic wood waste, in a way that stores carbon rather than releasing it into the atmosphere as greenhouse gases.

The process – called pyrolysis – locks carbon into a stable form that doesn’t break down as quickly as mulch or compost and transforms into a light, porous material that stays active, season after season, to ensure nutrient-rich soil for years to come.

Beyond the Lawn

It isn’t just for providing plants with healthier soil. Bring biochar along on camping trips, as it also works wellfor composting toilets and has the added benefit of controlling odors and absorbing waste, making it a sustainable option that can be composted afterward.

It can also be used as livestock bedding as it absorbs liquids, neutralizes odors and can be mixed with manure to create a more nutrient-rich compost for plants and crops.

Learn more about planting healthy gardens and green spaces at WakefieldBiochar.com/grow.

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Photo courtesy of Shutterstock (woman gardening)

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Wakefield BioChar

Link: https://stmdailynews.com/pet-food-recall-raises-health-concerns-nationwide-what-pet-owners-need-to-know/


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